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Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Fee waiverWaived at ₹1L spend
Forex markup0%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher
Late payment fee
| <=₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 (excl. GST, w.e.f 1st Oct 2025) |
Rewards & Lounge access
Rewards5% cashback on select online merchants (Amazon, Flipkart, etc.); 1% cashback on all other spends; cashback as CashPoints redeemable against statement
Lounge accessLounge access via Quarterly Spends Milestone program: gift voucher worth Rs.1,000 (redeemable for airport lounge access voucher) on spending Rs.1 lakh in a calendar quarter
NetworkVisa/Mastercard
CategoryMid-tier
Card typeRetail
Key features
- 5% cashback on select online merchants (Amazon, Flipkart, etc.); 1% cashback on all other spends; cashback as CashPoints redeemable against statement
- Lounge access via Quarterly Spends Milestone program: gift voucher worth Rs.1,000 (redeemable for airport lounge access voucher) on spending Rs.1 lakh in a calendar quarter